Ontario Personal Bankruptcy Blog

After I was discharged from bankruptcy my husband and I received a loan for a car(no problems other then high interest rate). Just recently they informed us that as of February (1 1/2years) after discharge that 2 of the creditors have submitted us into the burreau, with amounts owing. My question do they have the right to do this? They did not take any action against us prior to the discharge, why now? What can I do about this? It is seriously affecting us. Its a little hard to rebuild our credit, not to mention the place where we were financed for the car said that they would never have given us the loan had this been on our credit history. One of the amounts is rather large.
I have contacted the bankruptcy agency where we filed, but no one will return my phone calls. If you have some advice for me that would be greatly appreciated.
Thank you

I just successfully completed a 5 year consumer proposal and find myself in no better position than when I filed. The collection agency is after me for my Canada Student Loans. I was told by my creditor upon completing the consumer proposal that considering my student loan debt is 10 years old now I could apply to the court to have the debt expunged. The collection agency is now telling me that I don't qualify for such a break. Who is telling me the truth?

If only one spouse goes bankrupt and the house is joint what happens if you want to keep the house? There is maybe $30,000 equity. What happens to the house hold belongings? How are they determined for split for bankruptcy recovery money?

Are any monies paid by family members counted as income that you recieve for board?

I have a large credit card debt and I don't have a job. I've been paying one credit card with another. Now there isn't any money left on each card to pay one with another anymore. I do have some money saved up that I recieved for my child support payments that was suppose to be for my childrens education for college.The money saved is just in a regular savings account.
I am about to use this money to pay these credit cards for my monthly payments, and to purchase back to school clothing for my 2 children as well as groceries, but this will only last for the next three months.
I was told by another trustee that I'm not suppose to use the money to pay my monthly payments to the credit cards or to use any of this money to for my children clothes and groceries and that my best choice would be to give them the money to disburse to the three credit card companies that I owe OR just not to pay the credit cards and to let the collection agency call me for the money she said legally they couldn't do anything to me because I don't have a job, but what about after that when I do get a job won't they come aftter me and wouldn't interest have accumulated to a larger sum by then? Am I allowed to use my money to support my children and pay my regular monthly bills until the money runs out? Can I still file for bankruptcy after the money is gone?

I have 2 bankruptcies on my record; 1 discharged and 1 unresolved. I was unable to fulfill any of the obligations I was supposed to for the 2nd and I haven't made any payments so far to my trustee. It has been nearly 4 years since I've made contact with the trustee. I have been very sick for a long time and dealing with financial issues was the last thing on my mind. I'm started to reintegrate into society and will be trying to work again soon. I receive financial assistance from a governement agency and am considering getting a part-time job. What should I do? Should I contact the trustee? Will this eventually fall off my credit bureau? 14 yrs. Please help me?

Thank you so much.

I declared a 2nd bankruptcy in 2003, ws discharged in 2004, but i am now looking at a copy of my credit report and there are 2 creditors that I have no recollection of what so ever, though i am having them looked into by Equifax and TransUnion, what happens if it is discovered that they were missed in my bankruptcy? Would a credit report not have been run at the time of my filing?

If I file a personal bankruptcy and my 25-year old daughter (Student, single, and still living with us) has $30,000 in her account for her education would she be affected in any way? Or if she has a leased car in her own name?